TBC Bank GroupFRA:LR6 -0.95%86 ROA % is 3.25% as of Mar. 2026, which is 3% below its 10-year median of 3.35. GuruFocus rates FRA:LR6 with a GF Score™ of 86/100 and a GF Value™ of €50.67 (Fairly Valued). Among 1,528 Banks companies, TBC Bank Group ranks better than 95.88% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. TBC Bank Group's annualizedNet Income for the quarter that ended in Mar. 2026 was €465 Mil.
TBC Bank Group's average Total Assets over the quarter that ended in Mar. 2026 was €14,298 Mil. Therefore, TBC Bank Group's annualized ROA % for the quarter that ended in Mar. 2026 was 3.25%.
The historical rank and industry rank for TBC Bank Group's ROA % or its related term are showing as below:
FRA:LR6'
s ROA % Range Over the Past 10 Years
Min: 1.55 Med: 3.35 Max: 3.72
Current: 3.36
During the past 13 years, TBC Bank Group's highest ROA % was 3.72%. The lowest was 1.55%. And the median was 3.35%.
FRA:LR6's ROA % is ranked better than 95.88% of 1528
companies
in the Banks industry
Industry Median: 0.98
vs FRA:LR6: 3.36
TBC Bank Group (FRA:LR6) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
TBC Bank Group ROA % Related Terms
TBC Bank Group ROA % Historical Data
* Premium members only.
The historical data trend for TBC Bank Group's ROA % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, TBC Bank Group's ROA %, along with its competitors' market caps and ROA % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
TBC Bank Group ROA % vs Banks Industry
For the Banks industry and Financial Services sector, TBC Bank Group's ROA % distribution charts can be found below:
* The bar in red indicates where TBC Bank Group's ROA % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual ROA %, the net income of the last fiscal year and the average total assets over the fiscal year are used. In calculating the quarterly data,
the Net Income data used here is four times the quarterly (Mar. 2026) net income data.
ROA % is displayed in the 30-year financial page.
TBC Bank Group (FRA:LR6) has a ROA % of 3.25% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on TBC Bank Group and its competitors. This is near median its historical median of 3.35. Over the past decade, TBC Bank Group's ROA % has ranged from 1.55 to 3.72. According to the industry distribution chart, TBC Bank Group ranks #63 out of 1528 companies in the Banks industry, placing it in the top 4.1%.
Is TBC Bank Group's ROA % too high?
TBC Bank Group's current ROA % of 3.25% is near median its 10-year median of 3.35. Over the past 10 years, this metric has ranged from a low of 1.55 to a high of 3.72. The Banks industry median ROA % is 0.98. TBC Bank Group's value of 3.25% is 231.6% above this industry median. Based on the distribution chart, TBC Bank Group ranks #63 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, TBC Bank Group has a GF Score™ of 86/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does TBC Bank Group's ROA % compare to competitors?
According to the Banks industry distribution chart, TBC Bank Group ranks #63 out of 1528 companies for ROA %. This places TBC Bank Group in the top 4% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. TBC Bank Group's value of 3.25% is 231.6% above this benchmark. Historically, TBC Bank Group's own ROA % has ranged from 1.55 to 3.72 over the past decade. While the company's 10-year median is 3.35 vs. the industry median of 0.98, TBC Bank Group has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. TBC Bank Group's current ROA % of 3.25% is 231.6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on TBC Bank Group and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. TBC Bank Group's current ROA % is 3.25%, which is near median its own 10-year median of 3.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TBC Bank Group stock overvalued right now?
Based on GuruFocus' analysis, TBC Bank Group (FRA:LR6) is currently considered Fairly Valued. The stock's GF Value™ is €50.67, compared to a current price of €52.00 — trading 2.6% above its estimated fair value. The current ROA % is 3.25%, which is near median its 10-year median of 3.35 and 231.6% above the Banks industry median of 0.98. TBC Bank Group's overall GF Score™ is 86/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROA % calculated?
ROA % is calculated from a company's financial statements. For TBC Bank Group (FRA:LR6), the current ROA % is 3.25% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is TBC Bank Group (FRA:LR6) Overvalued in 2026?
Based on GuruFocus' analysis, TBC Bank Group stock appears to be overvalued.
The current stock price of €52.00 is trading 2.6% above its estimated GF Value™ of €50.67.
GuruFocus considers TBC Bank Group to be Fairly Valued.
Key valuation signals for FRA:LR6:
ROA %: 3.25% (near median its 10-year median of 3.35)
GF Value™: €50.67 vs. price of €52.00 (2.6% above fair value)
Industry Position: 231.6% above the Banks median (#63 of 1528)
No single metric tells the full story. See the FRA:LR6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TBC Bank Group PLC is a UK-based banking group. The business activities of the company involves universal banking operations within Georgia. The bank is focused on financial services activities, and the majority of its total assets relate to banking, insurance, leasing, brokerage, and corporate advisory services. Its operating segments include Georgian financial services (Georgia FS), which includes corporate and investment banking (CIB), Retail - non-business individual customers; Micro, Small, and Medium Enterprises: (MSME); Uzbekistan; and Other Operations.
86GF Score
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